AI Business Loans

How the 5-Minute AI Matching Process Works

AI matching replaces the two-week document shuffle with a verified data feed and a policy engine. Here is exactly what happens between opening the form and receiving funds.

  1. 1

    Digital Intake

    2 minutes

    Enter your ABN, trading history and the amount you need. Rather than uploading PDFs, you securely share read-only bank data through bank-grade encrypted connections. The platform categorises 6 to 12 months of transactions instantly, calculating verified turnover, deposit consistency, dishonour frequency and existing debt servicing.

    • No printing, scanning or emailing statements
    • Read-only access — funds can never be moved
    • Data is verified rather than self-reported, which improves offers
  2. 2

    Automated Lender Matching

    Under 60 seconds

    Your verified profile is scored against the encoded credit policy of more than 90 Australian bank and non-bank lenders simultaneously. Turnover minimums, trading history, industry restrictions, security requirements, postcode grading and maximum exposure are all applied as machine-readable rules.

    • Lenders who would decline you never see the application
    • Results ranked by likelihood of approval and total cost
    • Pre-qualification is a soft enquiry with zero credit score impact
  3. 3

    Compare & Select

    2 minutes

    Review indicative amounts, rate ranges, terms, repayment frequency, establishment fees and early payout conditions side by side. Choose the offer that suits your cash flow and proceed. Only then is a formal credit enquiry recorded, and settlement commonly occurs within 24 hours.

    • Fee-inclusive comparison, not just headline rates
    • Choose daily, weekly or monthly repayments
    • Settlement by electronic transfer, often the same day

Start your match

Enter a few details below and see your indicative repayments and matched lenders.

Get matched in under 5 minutes

Loading your AI matching engine…

Checking your options is a soft enquiry and has zero impact on your credit score.

Lock in your match

Add your contact details so a specialist can confirm your lender shortlist — and download a quote summary PDF to share with your accountant.

Bank-grade encryption. Zero credit score impact.

Process FAQs

How long does the whole process take?

Matching takes under 5 minutes. Formal approval is typically issued within 24 to 48 hours, and settlement commonly occurs the same day approval is granted.

What does it cost to use AI Business Loans?

Nothing. There is no cost to compare and no upfront fee. The platform is remunerated by the lender you choose, and any lender fees are disclosed in the comparison before you accept an offer.

Is my bank data safe?

Yes. Bank connections are read-only and encrypted in transit and at rest. No credentials are stored by the platform and funds can never be moved through the connection.

What if I do not like any of the offers?

You are under no obligation. Because pre-qualification is a soft enquiry, walking away leaves no mark on your credit file and you can return later as your trading history strengthens.

See what your business qualifies for

One 5-minute form. 90+ Australian lenders compared. Zero impact on your credit score.

Get Matched Now